Health Savings Accounts

The Status Quo Is An Expensive Choice.

Health Savings Accounts (HSAs) hold $100 billion in assets1see Devenir research for reference., while 93% of accounts earn a negative real return since they don’t invest2Health Insurer Disclosures On Trend And Public Company Disclosures On Expected Long-Term Expectations..

Healthcare out-of-pocket costs for most are modest and highly correlated with age, gender, and coverage type.

Zach, age 40 is enrolled in a typical healthcare plan.

- His likely annual out-of-pocket costs are $200 to $800, approximately $400 on average based on his age, gender, and plan selection.

- Current HSA balance of $20,000 sits idle in cash, earning a negative real return.

- With $200/month in HSA contributions, and a 5% real return on his invested balance, he could have $192,000 dollars by the time he is eligible for Medicare. More than enough to offset premiums and copays1

Read the model notes and disclaimer for more information. 

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